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First National Checking

At First National, we believe customer interactions are based on relationships, not transactions. First National Checking confirms our commitment to you and the community. This is not a "one time offer," but a demonstration of our ongoing dedication to put customers first. No hidden fees. No surprises. No hoops to jump through. Just honest banking with no strings attached.

Frequently Asked Questions

Q: Will I have to change my account number or get a new debit card?
A: No, there will be no change to your account number or a need to get a new debit card. Everything about your account will stay the same - plus all the great new benefits.

Q: You say this is a free checking account with no hidden fees - what's the catch?
A: There's no catch. First National Bank has a history of doing what's right for our customers. You told us you were concerned about fees and we listened.

Q: How long will this offer last?
A: It's not an offer - it's how we do business.

Q: I'm a business customer. Can I get the same benefits on my business checking account?
A: First National Checking is currently a consumer product only, however, please check out our Small Business or Corporate Banking websites for a listing of our available products and services.

Q: How does the Overdraft Forgiveness work? Will the Overdraft or Returned Item Fee automatically be reversed?
A: If you are eligible to receive an Overdraft Forgiveness at the time of your occurrence, the fee will be automatically waived. Overdraft Forgiveness will waive one Overdraft or Returned Item fee every 12 months from the date of your last refund. For example, if an Overdraft or Returned Item fee is automatically waived on January 1st of this year, the next time one will be eligible to be automatically waived would be January 1st of the following year.

Q: How quickly will you forgive the Overdraft or Returned Item fee?
A: We will be able to confirm and issue the forgiveness the same business day - automatically.

Q: Will I always be charged an Overdraft Item fee if my account is overdrawn?
A: No, you will not always be charged an Overdraft fee. Our standard $33 Overdraft Item Fee will apply for each item we pay, up to a maximum of four per day. However, we will not charge an overdraft fee if your account balance at the end of the business day is overdrawn by $20.00 or less.

Q: What impact will First National Checking have on safe deposit box fees?
A: First National Checking offers a $25 annual safe deposit discount. There are a limited number of safe deposit boxes available and this offer is subject to availability.

Q: What if I want to earn interest on my account?
A: First National Checking is non-interest bearing. If you want to earn interest on your checking account, you can upgrade to First National Premier Checking which pays interest when you maintain an average daily balance in deposit relationships of $15,000 or more. Also, adding a savings or money market account that links to your First National Checking account will earn interest and help protect against potential overdrafts.

Overdraft Forgiveness and Protection Options

With First National Checking and First National Premier Checking, you'll automatically receive one free Overdraft or Returned Item forgiveness every 12 months from the date of your last automatic refund.1

We understand that mistakes happen and that overdrawing your account can happen to anyone. Be sure to protect your account with one of our various overdraft protection options.

Automatic Transfers - With a First National Savings or Money Market account, you can have funds automatically transferred to the designated checking account in the amount necessary to bring your account positive.

Line of Credit - With a First National Line of Credit, funds will advance automatically to your checking account in $300 increments.

Courtesy First - Courtesy First is an overdraft privilege that authorizes us to pay overdrafts when your account does not have sufficient funds (after the one free Overdraft Forgiveness, standard overdraft fees apply).1

Contact a Personal Banker to decide which option is best for you and set-up your account.

First National Premier Checking

If you maintain a combined average daily balance of $15,000 in your First National Checking, Savings, Money Market, CD and IRA accounts, you are eligible for First National Premier Checking.

Banking Cards

At First National, customers have quick and easy access to cash any time, across the globe. You can choose to access cash from any Interlink, NETS or PLUS System ATM worldwide using our 24 Hour Bank Card or debit card. First National Visa® Debit Cards2 provide purchasing power.

Visa® Debit Card

Just present your card at the merchant and sign your receipt

Purchase amount is automatically deducted from your First National Bank checking account

No monthly fee

Make up to $3,000 in purchases per day (provided adequate funds are available)

Make up to $1,000 in cash withdrawals per day from any NETS or PLUS System ATMs (provided adequate funds are available)*

* A surcharge may be assessed by the financial institution that owns the ATM.

** Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

24 Hour Bank Card

24/7 access to the cash in your account at any Interlink, NETS or PLUS System ATMs worldwide*

Up to $600 in cash withdrawals per day from any Interlink, NETS or PLUS System ATMs worldwide (provided adequate funds are available)**

* A surcharge may be assessed by the financial institution that owns the ATM.

** Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

Show your Support Visa® Debit Card

When you carry a Show Your Support Debit Card*, you will receive the following great benefits:

Instant Local Discounts. Opportunities vary per card.

Special 2-for-1 Ticket Opportunities* and Entry into the Ultimate Game Day Experience Sweepstakes

FREE University Logo Checks

Support University Scholarships

A $20 annual fee applies to the Show Your Support Debit Card. 50% of the annual fee will go directly to the university.

1 We will make reasonable efforts to pay overdraft items if your account is in “good standing.” If not in good standing, your overdraft privileges may be changed or removed. “Good Standing” means that you 1) make sufficient deposits to bring your account to a positive end of day balance at least once every 30 calendar days (including payments of all bank fees and charges); 2) avoid excessive overdrafts; and 3) there are no legal orders, levies, or liens against your account. First National Bank may authorize and pay overdrafts for checks and other transactions made using your checking account number and for automatic bill payments (ACH and recurring debit transactions), and if you give us permission, we may authorize and pay overdrafts for ATM and everyday debit card transactions. A $33.00 Overdraft Item Fee will be charged for each item we pay (maximum 4 per day). If your transaction is returned unpaid, you will be assessed a $33.00 Returned Item Fee (also maximum 4 per day). With First National Checking, or First National Premier Checking, you will automatically receive one free Overdraft or Returned Item forgiveness every 12 months from the date of the last automatic refund.

2 Available on First National Bank checking accounts only. Subject to qualifications.

First National Bank is an Equal Opportunity and Affirmative Action Employer